Usually the rubber banding happens to me if there are more than 10 players in a server, so yeah it happens quite often at that point, also the sim will freeze usually when people are loading in with their selected aircraft. But, in single player I never have stuttering or freezing issues.
If there are under 10 people in a server, I never really have stuttering or freezing issues. I try to avoid heavily populated servers. As far as the sim crashing, it only happens to me once in a blue moon regardless of single or multiplayer. Good luck.